I have them on ( in both places ) and I can add pictures to an album and I can edit and manage the albums BUT how do I get to the pictures in the album I just created... There seems to be no link to the albums...

There is no page for everyone's albums, it is something that has been requested before.
You can see your own albuns by clicking the "my gallery" link in your nav bar (it should point to yoursite.com/photopostdir/showgallery.php?cat=500&ppuser=1)

It appears that you cant just MOVE existing pictures to an album that no picture has been uploaded to.. If you create an album and then move existing pictures to it you will not be able to see those pictrues on any of the links. The "Albums" bar only appears ( with all the pictures ) after you upload a picture into the album. To recap I created an album and moved 6 pictures to it... I couldnt see any of the pictures, they disappeared from My gallery but I couldnt see the album ... Then I uploaded a 7th picture and all of a sudden the Albums Bar is visible and the album contains 7 pictures